The mandatory transition to Uniform Appraisal Dataset (UAD) 3.6 for conventional loan appraisals submitted to the Uniform Collateral Data Portal (UCDP) takes effect on November 2, 2026. [1, 2]
Key Takeaways for REALTORS® & Agents
- Single Dynamic Report: Replaces legacy appraisal forms (1004, 1073, 1025) with a single, dynamic Uniform Residential Appraisal Report (URAR) for Fannie Mae and Freddie Mac loans. [1, 2]
- Square Footage (GLA) Changes: Retires traditional Gross Living Area (GLA) in favor of four distinct ANSI standards categories (Finished/Unfinished Above/Below Grade). [1]
- Expanded Data Fields: Adds granular room-level details, ADU (Accessory Dwelling Unit), outbuilding, energy features, and explicit defect/damage tracking. Valuation methods and home values themselves do not change. [1, 2]
- Longer Timelines: Expect extended appraiser property visits, higher fees due to software changes, and longer review/underwriting cycles. [1, 2, 3]
- Submission Date Rules: The date the report is submitted to the UCDP—not the contract or inspection date—determines whether UAD 3.6 is required. [1]
Actionable Steps for Real Estate Agents
- Update MLS and Transaction Records: Replace general property descriptions with specific improvement dates, maintenance notes, concessions, and verified transaction facts. [1]
- Support Appraisers Promptly: Quickly return appraiser calls or inquiries regarding previous sales and comparable properties. [1]
- Manage Client Expectations: Educate buyers and sellers that the paperwork and data format are changing, not how the home’s market value is calculated. Check local guidance via resources like the South Carolina Association of Realtors UAD 3.6 Update. [1, 2]
https://www.youtube.com/watch?v=jexSVDKX8q8&t=129s
Posted by: Byron King on 11/02/26 (This information is only accurate as of 11/02/26. You must contact SCR for updates and changes to this information after 11/02/26, as laws and regulations may change over time. SCR 803-772-5206 or email info at screaltors.org or email byron at screaltors.org
This information is not legal advice. This information is intended only to provide general information and may not be relied upon as specific legal guidance. Legal counsel should always be consulted before acting in reliance on this information.